Selfless service and integrity.
Choosing the right personal insurance for you and your family can be daunting. Whether it's home, auto or life, let Agape help you make the right decision.
AGAPE INSURANCE SERVICES
Individual Insurance Services
Traditionally, the typical life insurance sales pitch was delivered by a high-pressure salesman. It was all about the sale and not about you. At Agape Insurance Services, our focus is education with a priority on your needs. All of our services are provided with patience and understanding. We know every individual’s needs are unique and we promise our undivided attention. Whether you are looking for a short-term travel policy, covering your family’s health insurance needs, or making those necessary arrangement for end of life, Agape will be your trusted resource. We can explain the differences between term, whole and universal life policies, as well as assist in understanding where long-term care policies fit into the mix.
At Agape Insurance, our services are unconditional, meaning that no matter where you purchase insurance we will be there to assist, encourage, and promote your financial security.
Insurances Offerings for Individuals
Health (on or off the Health Exchange)
Important Individual Health Insurance Dates
November 1st - January 15th:
is your chance to make changes to your individual health insurance plan.
Open enrollment for 2023 fully-insured individual plans begins this year on November 1st, 2022, and runs through January 15th, 2023.
For ACA plans, typically anyone can enroll during “Open Enrollment” which runs Nov 1–Jan 15, and outside of those dates, people need a qualifying “life change” to enroll (such as a birth, marriage, moving cities, etc.).
Due to the exceptional circumstances of Covid-19, New Mexico is allowing anyone with an income equal or less than 200% of the federal poverty level to enroll without a qualifying life change. That means that a single person making less than $2147/month, or a family of three making less than $3660/month would qualify to enroll at any time of the year. This special enrollment reason does not require that you previously had insurance, or that you recently lost coverage.
If you are currently insured, November 1st through December 15th is used to select your new plan to begin January 1st of 2023. If you are receiving a tax credit that helps reduce your monthly premium cost, you must update and submit an application in order to pick a plan for 2023. We are here to help.
There will be less carriers to choose from this year, as Friday Health Plans of Colorado, and True Health New Mexico have announced that their plans will not be available in New Mexico this year. That leaves four carriers to choose from, each with different plans and networks. Set an appointment with us, and we will be happy to explain your options